Grayeli Investment Management

Grayeli Investment Management is a small, independent registered investment adviser managing about $17.9 million for roughly 25 households; it serves individuals, high‑net‑worth clients and trusts and also works with pension and profit‑sharing plan clients. The firm provides discretionary investment management and financial planning and, through an affiliated independent insurance agency, makes fixed annuities, life, disability and long‑term care insurance available to advisory clients or on a standalone basis.

Investment advice is delivered via a goal‑based planning process that emphasizes capital preservation, risk management and a long‑term, low‑cost, highly diversified buy‑and‑hold approach using mutual funds, ETFs and, where appropriate, individual stocks, bonds and alternative asset classes such as REITs or precious metals. The firm exercises discretionary trading authority, monitors accounts regularly with periodic reviews, and reports to clients through custodial and firm statements.

Compared with many independent peers, Grayeli’s combination of advisory services with an insurance brokerage and explicit pension consulting and plan work is uncommon and is disclosed as creating potential commission‑based incentives when insurance products are recommended. The firm also does not vote client proxies, leaving proxy voting responsibility with clients, which is an operational characteristic investors may consider.